Cheap Apartments In Hampden County
Massachusetts

Low Income Apartments In Hampden County

Highland House

250 Oak Grove Ave
Springfield, MA
Income Based
1 BR
62+
Accessible
Elderly Supportive Housing
Subsidized

Sycamore House

287 Essex Street
Holyoke, MA
Income Based
1 BR
Subsidized

Edgewood Apartments

134 Union Street
Westfield, MA
$861-931
HCV Welcome

Prospect Heights

41 Chestnut Street
Holyoke, MA
Income Based
1-2 BR
Subsidized

Holyoke Hill Apartments

360.5 Tokeneke Road
Holyoke, MA
$951-1,187
2-3 BR
HCV Welcome

Northern Heights

769 Main Street
Springfield, MA
$627-1,224
Studio-4 BR
HCV Welcome

Allen Park Apartments I & II

41 Allen Park Rd
Springfield, MA
$908-1,361
1-3 BR
Subsidized

Pulaski Heights

76 Maple Street
Holyoke, MA
Income Based
1 BR
Subsidized

Worthy Apartments

193 Worthington St.
Springfield, MA
1-2 BR
Subsidized

Mckinley House

38 Asinof Avenue
Chicopee, MA
Income Based
1-2 BR
Subsidized

There are 192 low income housing apartment complexes which contain 16,520 affordable apartments for rent in Hampden County, Massachusetts. Many of these rental apartments are income based housing with about 11,475 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 7,165 Project-Based Section 8 subsidized apartments in Hampden County. There are 8,673 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

Housing Authorities that serve Hampden County

Housing Authority Programs
Massachusetts Department of Housing and Community Development Section 8 Housing Choice Voucher

Other Housing Authorities located in Hampden County

Housing Authority Programs
Holyoke Housing Authority Section 8 Housing Choice Voucher; Public Housing; Moderate Rehabilitation; Homeownership; Moving to Work
Chicopee Housing Authority Section 8 Housing Choice Voucher; Public Housing
Springfield Housing Authority Section 8 Housing Choice Voucher; Public Housing
Westfield Housing Authority Section 8 Housing Choice Voucher
West Springfield Housing Authority Section 8 Housing Choice Voucher

Understanding Affordable Housing in Hampden County, Massachusetts

Hampden County, MA Affordable Housing Snapshot

Total Affordable Apartment Properties 192
Total Low Income Apartments 16,520
Total Rent Assisted Apartments 11,475
Percentage of Housing Units Occupied By Renters 38.33%
Average Renter Household Size 2.43
Total Population 468,041
Housing Units 176,900
Average Household Size 2.57
Median Household Income $50,461 ±$855
Median Rent $822 ±$11
Percentage Of Renters Overburdened 52.82% ± 1.49pp

Population and Household Demographics

Hampden County is a County in Massachusetts with a population of 468,041. There are 176,900 households in the county with an average household size of 2.57 persons. 38.33% of households in Hampden County are renters.

Income and Rent Overburden in Hampden County

The median gross income for households in Hampden County is $50,461 a year, or $4,205 a month. The median rent for the county is $822 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Hampden County, a household making less than $2,740 a month would be considered overburdened when renting an apartment at or above the median rent. 52.82% of households who rent are overburdened in Hampden County.1

Data derived from 2010 Census and 2015 5-Year American Community Survey. Learn More.
1 Margin of Error: ± 1.49 percentage points.

Area Median Income In Hampden County

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

In Hampden County, HUD calculates the Area Median Income for a family of four as $73,900

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Hampden County

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Hampden County HUD Rental Assistance in Hampden County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $16,950 $19,400 $21,800 $25,100 $29,420 $33,740 $38,060 $42,380
50% of Median $28,250 $32,300 $36,350 $40,350 $43,600 $46,850 $50,050 $53,300
80% of Median $45,200 $51,650 $58,100 $64,550 $69,750 $74,900 $80,050 $85,250

You can identify apartment communities that participate in a program that provides rental assistance by looking for the tags in the apartment list above. View Apartments.

Low Income Housing Tax Credits in Hampden County

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1987 to 2012, 73 low income apartment communities containing 7,064 rental apartments have been constructed and made affordable to low income persons in Hampden County by the Low Income Housing Tax Credit Program.

You can identify apartment communities that participate in the program in Hampden County by looking for the tag in the apartment list above. View Apartments.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Hampden County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $28,250 $32,300 $36,350 $40,350 $43,600 $46,850 $50,050 $53,300
60% of Median $33,900 $38,760 $43,620 $48,420 $52,320 $56,220 $60,060 $63,960

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Hampden County is $43,620 a year, or $3,635 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,635 by 30% to get a maximum rent of $1,091 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $706 $757 $909 $1,049 $1,171 $1,292
60% $848 $908 $1,091 $1,259 $1,406 $1,550
Fair Market Rents in Hampden County

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$702 $831 $1,061 $1,329 $1,521

Cities In Hampden County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Springfield 99 The HUD funded Public Housing Agencies that serve Springfield are the Springfield Housing Authority, Massachusetts Department of Housing and Community Development and Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List.
Holyoke 38 The HUD funded Public Housing Agencies that serve Holyoke are the Holyoke Housing Authority, Massachusetts Department of Housing and Community Development and Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List.
Chicopee 18 The HUD funded Public Housing Agencies that serve Chicopee are the Chicopee Housing Authority, Massachusetts Department of Housing and Community Development and Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List.
Westfield 13 The HUD funded Public Housing Agencies that serve Westfield are the Westfield Housing Authority, Massachusetts Department of Housing and Community Development and Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List.
Wilbraham 3 The HUD funded Public Housing Agency that serves Wilbraham is the Massachusetts Department of Housing and Community Development.
East Longmeadow 3 The HUD funded Public Housing Agency that serves East Longmeadow is the Massachusetts Department of Housing and Community Development.
Longmeadow 5 The HUD funded Public Housing Agency that serves Longmeadow is the Massachusetts Department of Housing and Community Development.
Chester 1 The HUD funded Public Housing Agency that serves Chester is the Massachusetts Department of Housing and Community Development.
Ludlow 1 The HUD funded Public Housing Agency that serves Ludlow is the Massachusetts Department of Housing and Community Development.
Agawam 2 The HUD funded Public Housing Agency that serves Agawam is the Massachusetts Department of Housing and Community Development.
West Springfield 2 The HUD funded Public Housing Agencies that serve West Springfield are the West Springfield Housing Authority, Massachusetts Department of Housing and Community Development and Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List.
Southwick 2 The HUD funded Public Housing Agency that serves Southwick is the Massachusetts Department of Housing and Community Development.
Palmer 1 The HUD funded Public Housing Agency that serves Palmer is the Massachusetts Department of Housing and Community Development.
Wales 2 The HUD funded Public Housing Agency that serves Wales is the Massachusetts Department of Housing and Community Development.
Hampden 1 The HUD funded Public Housing Agency that serves Hampden is the Massachusetts Department of Housing and Community Development.
Monson 1 The HUD funded Public Housing Agency that serves Monson is the Massachusetts Department of Housing and Community Development.
Blandford 0 The HUD funded Public Housing Agency that serves Blandford is the Massachusetts Department of Housing and Community Development.
Brimfield 0 The HUD funded Public Housing Agency that serves Brimfield is the Massachusetts Department of Housing and Community Development.
Granville 0 The HUD funded Public Housing Agency that serves Granville is the Massachusetts Department of Housing and Community Development.
Holland 0 The HUD funded Public Housing Agency that serves Holland is the Massachusetts Department of Housing and Community Development.
Montgomery 0 The HUD funded Public Housing Agency that serves Montgomery is the Massachusetts Department of Housing and Community Development.
Russell 0 The HUD funded Public Housing Agency that serves Russell is the Massachusetts Department of Housing and Community Development.
Tolland 0 The HUD funded Public Housing Agency that serves Tolland is the Massachusetts Department of Housing and Community Development.
Agawam Town 0 The HUD funded Public Housing Agency that serves Agawam Town is the Massachusetts Department of Housing and Community Development.
Monson Center 0 The HUD funded Public Housing Agency that serves Monson Center is the Massachusetts Department of Housing and Community Development.
Palmer Town 0 The HUD funded Public Housing Agency that serves Palmer Town is the Massachusetts Department of Housing and Community Development.
West Springfield Town 0 The HUD funded Public Housing Agency that serves West Springfield Town is the Massachusetts Department of Housing and Community Development.